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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $25,571 | $112,729-77.3% | $98,716-74.1% | $137,256-81.4% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 16.29% | 38.48%-22.2pp | 31.81%-15.5pp | 220.34%-204.1pp |
| Employer contribution / active EE | $1,432 | $2,725-47.4% | $2,279-37.1% | $4,156-65.5% |
| Participant deferral / active EE | $3,639 | $4,640-21.6% | $4,048-10.1% | $6,407-43.2% |
| Admin fee / account holder | $2,762 | $10,129-72.7% | $8,703-68.3% | $12,270-77.5% |